At Disability Insurance Law Group, our long-term disability insurance claims attorneys represent policyholders nationwide whose claims have been denied. We understand the devastating impact a denial letter can have on you and your family’s physical, emotional, and financial well-being. Without the income provided by long-term disability benefits, you may struggle to cover basic living expenses like mortgage or rent payments, utilities, groceries, and medical expenses. This can lead to mounting debt, foreclosure or eviction, and other financial difficulties that are difficult to bounce bac ..read more

Sandra A. was an executive in a large multi-national corporation. Her job required frequent travel and onsite inspections. When new products were about to launch, Sandra would give presentations to her team who would then demonstrate the products to vendors. Sandra enjoyed her career and working with her staff. She started noticing significant fatigue. Given her fast paced schedule, she assumed she was just rundown. However, her fatigue did not go away during her down time. She also began to have headaches and occasionally double vision, which she described as a wobbly feeling in her eyes. At ..read more

After paying the premiums for long-term care insurance coverage for years, it can be emotionally upsetting and financially devastating when the insurance company denies a claim for benefits. Unfortunately, this scenario is not uncommon. Long-Term Care insurers utilize a number of tactics designed to challenge and deny valid claims. In part 1 of this post, we talked about how these insurance companies draft policy language in a manner that appears ambiguous and favorable to the carrier, and how they rely on that ambiguity to routinely deny claims. Today, we will discuss several other unfair and ..read more

Most disability insurance policies allow the insurer to arrange for a reasonable, relevant independent medical examination (IME) of the claimant. While on its face this sounds fair and even potentially helpful for a disability claimant, the insurance company may use IME findings to deny a claim or terminate disability benefit payments, even in the face of the claimant’s own strong medical evidence. IME Bias A physician who performs numerous IMEs for insurance companies may have an inherent conflict in that they are often paid well by the insurance company to assess a claimant’s functionality ..read more

Life insurance seems straightforward. You buy a policy or get one through your employment that will pay money to your beneficiary after your death. You name your beneficiary or beneficiaries as part of the enrollment process and normally can change your beneficiary choices over the years as relationships evolve or people pass away. Unfortunately, sometimes after a life insurance policyholder has died, the insurance company may not be able to determine the proper beneficiary. Or a dispute develops among two or more people who believe they are the rightful beneficiaries. At this point, life insu ..read more

Disability Insurance Law Group is proud to announce some of the recent wins we achieved for our clients. In each case, our legal team took on one of the largest insurance providers in the U.S. and won the disability insurance benefits to which our clients were legally entitled. MetLife denial of a mental health claim One case involved a financial services associate for a well-known financial institution. This client was forced to halt his successful career when a triggering event caused symptoms from his bipolar disorder and other mental health conditions to grow unmanageable, making it imposs ..read more

Finding out that your disability insurance provider has denied your claim can be frustrating, confusing and frightening. You and your family were likely counting on those benefits to help make up for your lost wages and allow you to pay household expenses despite being unable to work. Fortunately, a denial does not have to be the last word. With a good Appeal, it may be possible to get the benefits you deserve without having to file a lawsuit or go to trial. The Importance of the Administrative Appeal Your long-term disability (LTD) insurance policy is a contract between you or your employer a ..read more

If you have a disability insurance policy, it is important to understand what that policy covers in case you ever lose your ability to work due to an illness or physical injury. Policies differ with regard to the type of conditions covered, the length of time of coverage, and exceptions that may apply. Below are examples of terms and conditions that vary. Not applying for the appropriate benefit could result in a claim delay or denial. Total vs. partial disability Insurance companies often define a disability as a Total Disability or a Partial Disability. Depending on the Policy, a Partial Dis ..read more

Each year, millions of Americans pay insurance companies for coverage, trusting that if the unexpected happens, the terms of the policy will be honored and their claims will be paid. One type of policy is Accidental Death and Dismemberment insurance. What Is Accidental Death and Dismemberment (AD&D) Insurance? An AD&D insurance policy is exactly what its name indicates – a policy that covers a policyholder in the event of death or dismemberment. This policy is typically added as a rider, or additional coverage, to a health insurance or life insurance policy. It can be provided through ..read more

Your insurance claim has been denied, now what? Dealing with insurance claims that have been denied can lead to frustration, confusion, and discouragement. The reality is, the appeal process can be complex and leave you feeling overwhelmed. We are here to help. First, it’s important to understand that if you obtained your short-term or long-term disability policy through your employment, ERISA (the Employee Retirement Income Security Act of 1974), a federal law, likely applies to your claim. What does this mean? It means that you must follow certain procedures when filing for benefits or when ..read more